View 1995 Ford Contour Car Insurance Rates

Trying to find cheaper insurance coverage rates for your Ford Contour? No one in their right mind enjoys paying for insurance coverage, particularly when their premiums are too high. Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.

If you have insurance now or are shopping for new coverage, you can learn to get lower rates while maximizing coverage. Finding the best rates is quite easy. Consumers just need to learn the best way to get comparison rates on the web.

Buy insurance online

Shopping for lower insurance rates can be exhausting if you don’t utilize the easiest way. You could spend your day talking about coverages with agents in your area, or you can stay home and use the internet to get the quickest rates.

All the larger companies participate in an industry program where prospective buyers enter their policy data once, and every company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to every company. To find out how much you can save on insurance click here (opens in new window).

The one disadvantage to getting quotes like this is you cannot specify which providers you want to price. So if you want to select from a list of companies to request quotes from, we put together a list of companies who write insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just do your best to use exactly the same quote data with every price quote. If your comparisons have different values for each quote it will be very difficult to determine the lowest rate for your Ford Contour.

These discounts can lower your insurance coverage rates

Car insurance can cost a lot, but there’s a good chance there are discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but some may not be applied and must be specifically requested before being credited.

• Defensive Driver Discounts – Completing a defensive driver class could earn you a small percentage discount if you qualify.
• Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Contour insurance with a few insurance coverage companies.
• Early Signing – Some companies provide a discount for switching to them prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
• Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.
• Low Miles Discount – Low annual miles can earn cheaper rates.
• Accident Forgiveness Coverage – but some companies like Allstate, Progressive, and Geico will forgive one accident without the usual rate increase if you have no claims for a set time period.
• No Claims – Insureds with no claims or accidents pay much less as opposed to drivers with a long claim history.
• Professional Organizations – Belonging to a civic or occupational organization could earn you a nice discount on your bill.
• Multi-policy Discount – When you combine your auto and homeowners insurance and insure them with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of 20% or more.

One last thing about discounts, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Large insurance coverage companies and a summarized list of policyholder discounts are shown below.

• Geico may have discounts that include five-year accident-free, multi-policy, anti-lock brakes, military active duty, and driver training.
• SAFECO offers discounts for accident prevention training, anti-lock brakes, teen safe driver, anti-theft, teen safety rewards, and drive less.
• State Farm offers discounts including student away at school, multiple autos, safe vehicle, passive restraint, good driver, and Steer Clear safe driver discount.
• MetLife offers premium reductions for good driver, claim-free, multi-policy, accident-free, defensive driver, and good student.
• 21st Century may offer discounts for defensive driver, air bags, anti-lock brakes, driver training, and theft prevention.
• Progressive has discounts for good student, multi-vehicle, multi-policy, homeowner, and online quote discount.

If you need lower rates, check with each company or agent which discounts can lower your rates. Some credits might not be offered on policies in your area.

Seven factors that determine insurance costs

Many things are considered when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but other factors are less apparent like your continuous coverage or how safe your car is.

The items below are a few of the “ingredients” used by insurance companies to determine rates.

• Male costs may be higher – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. Women and men get in fender benders in similar numbers, but men tend to have higher claims. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers have the highest risk to insure and therefore pay the highest rates.
• File insurance claims and pay more – Car insurance companies generally give cheaper rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended for claims that pose a financial burden.
• Costs and your address – Being located in less populated areas of the country is a positive aspect if you are looking for the lowest rates. City drivers have to deal with more auto accidents and longer commutes to work. Lower population translates into fewer accidents in addition to fewer liability claims.
• Never let your auto insurance policy expire – Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance may result in fines or a revoked license.
• Don’t skimp on liability insurance – Liability coverage will afford coverage when you are responsible for physical damage or personal injury to other. This coverage provides legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Save by driving less – Driving more miles every year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Having an incorrect usage rating on your Contour is throwing money out the window. It’s always a good idea to double check that your auto insurance declarations sheet correctly shows how each vehicle is driven, because it can save money.
• Safer the car lower the rate – Vehicles with high crash test scores cost less to insure. Highly rated vehicles reduce injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy. If your Ford Contour scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

Different people need different insurance coverage coverages

When choosing the best insurance coverage coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you could use an agent’s help.

• Does my policy pay for OEM or aftermarket parts?
• Is motorclub coverage worth it?
• When should my teen driver be added to my policy?
• Will I be non-renewed for getting a DUI or other conviction?
• Can I afford low physical damage deductibles?
• Should I put collision coverage on all my vehicles?
• How can I force my company to pay a claim?
• When would I need rental car insurance?
• If I drive on a suspended license am I covered?
• Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Well known brands might not be cheapest

Consumers get pounded daily by advertisements for the lowest price insurance coverage by companies like Progressive, Geico, Allstate and State Farm. All the companies say the same thing that people will save just by switching your policy.

That’s great but how can every company sell you cheaper insurance coverage?

Most companies have a preferred profile for the type of insured that earns them a profit. For instance, a desirable risk may be over the age of 35, owns their home, and the vehicle is rated for pleasure use. A driver that fits those parameters will get the preferred prices and as a result will probably cut their rates if they switch.

Potential customers who do not fit those criteria will probably have to pay a higher premium and this can result in business not being written. The trick companies use is to say “customers that switch” not “everybody who quotes” save the amount stated. This is how insurance companies can confidently make claims that they all have the best car insurance rates. This really emphasizes why you absolutely need to get car insurance quotes from several different companies. It is impossible to predict which insurance coverage company will have the lowest rates for your situation.

Coverages available on your insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Liability coverages

Liability insurance can cover damage that occurs to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as legal defense fees, structural damage, attorney fees, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Contour resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Ford Contour.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, vandalism and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for expenses like hospital visits, X-ray expenses, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

What is YOUR best insurance company?

We just covered a lot of ways to reduce 1995 Ford Contour insurance rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a small local company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Some insurance providers may not offer the ability to get quotes online and these small, regional companies only sell through independent insurance agencies. Cheaper insurance is definitely available both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

Additional insurance information is located below:

• Help Your Teen Be a Better Driver (State Farm)
• Property Damage Coverage (Liberty Mutual)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)